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VISA Debit Card

The VISA Debit Card offers great benefits and no debit card fee.Great Benefits and No Debit Card Fee

A Visa Debit card, also known as a Visa check card, is a debit card that works like a check, only better. When you make purchases, the amount is deducted directly from your Southwest FCU checking account. But you also enjoy added convenience and security protections.

Pay for all types of purchases quickly and easily.

Just use your Visa Debit card when you’re ready to pay. It works fast, so there’s no need to write checks or fumble for change. Get cash back at the register – you’ll save on trips to the ATM and can leave your checkbook at home.

It’s Everywhere You Want To Be®

Because it’s accepted at millions of places worldwide, you can use it for nearly anything, including monthly bills, dining, gas and automotive services, groceries, online purchases, prescriptions, and more. And you can access your money fee-free at CU Anytime, CO-OP Network, and Bank of the West ATMs nationwide.

Improve your money management with an up-to-date balance and transaction history.

Debit card transactions are automatically deducted from your checking account and typically posted within 24 hours of your purchase. So you can check your updated balance and transaction record here on Southwest’s website or by phone.

In addition, every month you’ll also receive a checking account statement that details your purchases, including merchant name, location, date and amount. So it’s easy to see where your money goes.

Gain peace of mind with Visa’s extra security protections.

When you sign for your purchases, your money comes directly from your checking account, but you also get security protections that help prevent, detect and resolve fraud, including:

If you want to sign for your purchases rather than enter your personal identification number (PIN), you have two options:

Swipe and Sign: Use your Visa Debit card, tell the cashier you want to sign for your purchase and sign the receipt.


At a PIN pad: Swipe your card, select CREDIT on the keypad and sign the receipt.

Fraud Protection

Pin instead of signature
As a result of increased Debit Card Fraud and our concern for your protection, you will be required to use your PIN (Personal Identification Number) instead of your signature for certain debit card transactions. For questions or concerns or if you have been denied, Call 505-243-6751 during normal business hours or 1-888-526-0404 after hours.

You’ll receive these same security protections when you use your Visa Debit card for online, phone and mail orders or for purchases at merchants that do not require a signature.